Finances Dashboard & Stored Value Bonuses

Finances Dashboard

The merchant dashboard now has a dedicated Finances section, consolidating everything related to your money in one place. The new section includes:

• Payouts: Initiate stablecoin transfers from your Decal-managed wallet to your settlement wallet, with real-time balance visibility.
• Pay-ins: Coming soon.
• Accounts: Manage your settlement wallets. Bank accounts coming soon.

Settlement wallet management and payouts have moved out of Settings into this new section. Existing bookmarks and links redirect automatically.

Stored Value Bonuses

Merchants can now configure sign-up bonuses and top-up bonuses for their Stored Value program. Both support fixed-amount or percentage-based bonus credits with tiered spend thresholds, for example, "Load $50, get $5 free" or "Load $100, get 15% bonus."

Sign-up bonuses are claimable once per customer. For top-ups, only one bonus tier applies per transaction. Configure both from the Top-Ups tab in your Stored Value program settings.

Non-members and unauthenticated customers now see a signup bonus teaser when viewing a merchant's balance page or the balance top-up addon at checkout. The teaser shows the lowest-threshold bonus tier (e.g. "New member bonus, top up $25 or more to get +$5 free"), giving customers an incentive to join before they reach the amount selection step.

Custom Onboarding Messaging

Stored Value programs now support customizable onboarding content that customers see when signing up. In the dashboard under General > Customer Messaging, merchants can set:

• A headline shown on the balance page and sign-up sheet (defaults to "Join the {program name} program").
• A subheadline for a short marketing statement.
• Up to 6 benefit bullet points highlighting why customers should join.

This gives merchants full control over the first impression their Stored Value program makes.

The Stored Value settings page now also includes a branded phone mock preview, showing a live preview of the customer-facing onboarding screen in merchant brand colors as they edit.

Minor Improvements

• Organization avatars now display as rounded squares instead of circles, making them visually distinct from user and team member avatars throughout the dashboard.
• Checkout pages load faster thanks to cached merchant location data, reducing unnecessary database round-trips on repeat visits.